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credit cards

Credit Cards
There's never been a better time to shop around for the best credit card deal. Many offer interest free (subject to terms)

Loans

Loans
With fears of the effects of recession, you need to get the right loan for you. Check out some great low interest rate offers

Share Dealing

Shares
With extreme volatility in share prices, check out our share buying guide for information about buying, selling and dealing in shares

Insurance

Insurance
We've got some great insurance deals to slash the cost of your next insurance renewa
l - get advice and a free quote

 

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Information on this web site is not intended to be advice. You should consult an IFA or other qualified adviser who will help you to make the best decisions based on your circumstances.

Debt Consolidation Loans

Loans

Whatever loan you want, whether for a new car, an extension to your house or to pay for a foreign holiday, it's important that you get the right kind of loan for your circumstances. Getting a loan can be a quick fix way of raising money for what you want now, but it is important that you size up the risks and don't borrow more than you can afford to pay back.

Secured loans are usually available to homeowners and are secured against your property like a mortgage. If you default you can lose your home, but these usually offer the lowest rate of interest.

Unsecured loans are not secured against your property and so are available for non property owners such as Council or housing Association tenants. These usually have higher rates of interest.

You can still get a loan if you have a CCJ (County Court Judgement) or are for some other reason a 'poor risk'. However, be prepared that some companies may make their loans look attractive, they can have extremely high rates of interest.

In some instances, it makes much more sense to save for want you want rather than take out a loan.

Interest Free loans are sometimes offered by shops. Read the small print carefully, ensure that you do not default (these loans can have hefty penalties) and do not take out the insurance they offer you.